Chicago, IL · Cert 35431
FDIC · 2 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chicago, IL · Cert 35431
FDIC · 2 branches
Q4 2014
Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2014 SOD (annual) · 0.0% share · #166 of 226 inst. · $0.1B of $354.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.74% | -1.65% | -1.31% | -1.59% | -2.88% | -2.72% | -2.89% | 0.32% | +190 bps | |
| Return on Equity | -61.92% | -36.96% | -29.25% | -35.95% | -67.97% | -65.48% | -72.93% | 7.03% | +4,299 bps | |
| Net Interest Margin | 3.53% | 3.70% | 3.84% | 4.04% | 4.59% | 4.99% | 5.11% | 4.71% | +67 bps | |
| Efficiency Ratio | 109.69% | 102.03% | 100.49% | 106.00% | 118.44% | 110.25% | 115.92% | 80.66% | -2,534 bps | |
| Non-Interest Burden | 4.20% | 3.85% | 3.88% | 4.48% | 5.68% | 5.76% | 6.32% | 2.56% | -192 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -32.52% | -33.80% | -31.33% | -25.34% | -30.07% | -30.94% | -32.53% | -40.49% | -1,515 bps | |
| Loan Growth (YoY) | -44.74% | -33.51% | -36.18% | -12.26% | -9.64% | -29.20% | -19.87% | -70.80% | -5,854 bps | |
| Deposit Growth (YoY) | -32.61% | -33.42% | -29.76% | -24.35% | -31.86% | -33.51% | -35.34% | -39.49% | -1,514 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 3.13% | 2.12% | 2.15% | 3.10% | 5.43% | 5.51% | 3.77% | 10.58% | +748 bps | |
| Allowance / Loans | 3.14% | 2.99% | 2.95% | 2.44% | 1.76% | 1.92% | 2.00% | 2.76% | +31 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 8.80% | 8.19% | 8.07% | 7.84% | 6.85% | 6.73% | 5.28% | 23.19% | +1,536 bps | |
| Equity / Assets | 4.39% | 4.52% | 4.53% | 4.16% | 4.32% | 3.95% | 3.32% | 7.39% | +324 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.52% | 69.25% | 67.70% | 64.42% | 81.58% | 73.74% | 83.89% | 31.08% | -3,334 bps | |
| Liquid Assets / Assets | 29.55% | 21.86% | 23.29% | 27.89% | 11.82% | 14.32% | 5.11% | 49.85% | +2,197 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |